Reach your goals with‍4.9% APY

Savings Pods are a modern way for couples to save towards their goals. Each Savings Pod that you create is set up as a unique account, which means that you can clearly bucket your savings towards different goals and spend from them using a dedicated account & routing number.

When you open an Ivella Joint Account you’ll be given one Savings Pod automatically. If you upgrade to Pods+ you’ll be able to create up to 500 Savings Pods.

With Pods+ you’ll get the ability to create up to 500 Savings Pods, set a goal for every Pod, create up to 2 virtual cards just for that Pod, and earn the highest APY regardless of direct deposit status.

By default, you’ll earn 1% APY on your deposits. If you subscribe to Pods+ or add a direct deposit connection to your account, you’ll earn 4.9% APY across all of your Savings Pods.

APY is subject to change based on the Federal Funds Rate. In any case, we maximize your savings by paying you nearly all of what our banking partner pays us. We will always notify you of impending rate changes.

Interest is calculated daily based on the end-of-day Savings Pod balance.

Interest is accrued daily and paid at the beginning of the following month.

Pods+ is $5/month per couple.

You can try out Pods+ for 30 days risk-free. If you don’t like your experience, cancel within the first 30 days, and we’ll refund you for your entire first month, no questions asked.

You can transfer money directly from your Ivella Joint Checking or external bank accounts. You can also set recurring contributions for each Savings Pod.

Each Pod has its own independent deposit and transaction limit. Contributions into one Pod will not affect the limit of another.

Upon deleting a Pod, the money will be instantly transferred back into your joint checking account.

Yes, each Savings Pod has its own unique account & routing number.

Yes, your deposits in Savings Pods are FDIC insured for up to $500,000 by Blue Ridge Bank N.A.; Member FDIC.